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Humana USAA Honor Giveback with Rx (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback with Rx (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana USAA Honor Giveback with Rx (PPO) in 2025, please refer to our full plan details page.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in Indiana & Ohio. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Humana USAA Honor Giveback with Rx (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana USAA Honor Giveback with Rx (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Humana USAA Honor Giveback with Rx (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $76.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $350.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13300.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13300.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Humana USAA Honor Giveback with Rx (PPO) plan has a $350 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and the pharmacy you use. For example, for a preferred generic drug, you will pay a $10 copay at a preferred pharmacy or through mail order and a $20 copay at a standard pharmacy. You will pay 50% coinsurance for preferred brand drugs, and 28% coinsurance for non-preferred drugs. Once your total drug costs reach $2000, you will enter the catastrophic coverage phase and pay nothing for covered drugs.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers a range of benefits, including inpatient and outpatient hospital services with varying copays, and coverage for ambulance and emergency services with copays. Primary care, preventive, hearing, vision, and dental services are covered, often with no copay, and include an annual physical exam, routine hearing exams, and routine eye exams. This plan also covers home health, skilled nursing facility stays, and home infusion services, often with no copay or coinsurance. Other benefits include coverage for medical equipment, diagnostic and radiological services, and additional services like acupuncture and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital services are covered, with a copay of $425 per admission for days 1-5, and no copay for days 6-90 for Inpatient Hospital-Acute. For Inpatient Hospital Psychiatric, there is a copay of $425 for days 1-4, and no copay for days 5-90. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Additional Days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $425, and observation services with a copay of $425. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and Outpatient Substance Abuse Services have a copay between $30 and $85 for both individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback with Rx (PPO) plan with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan. Both ground and air ambulance services have a $315 copay, with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan. Emergency Services have a $100 copay, while Urgently Needed Services have a $45 copay, and Worldwide Emergency Services have a $100 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services, including routine care, are covered with a $15 copay, and a limit of 12 visits per year. Occupational Therapy Services are covered with a copay between $15 and $35. Physician Specialist Services have a $45 copay. Mental Health Specialty Services are covered with a copay of $30 for individual and group sessions. Podiatry Services, including routine foot care, are covered with a $45 copay and a limit of 6 visits per year. Other Health Care Professional services are covered with a copay between $0 and $45. Psychiatric Services, including individual and group sessions, are covered with a $30 copay. Physical Therapy and Speech-Language Pathology Services are covered with a copay between $15 and $35. Additional Telehealth Benefits have a copay between $0 and $45. Opioid Treatment Program Services are covered with a copay between $30 and $85.
Preventive Services See details
Preventive services are covered, including an annual physical exam with no copay. Additional preventive services are covered, with copays for some services. Other covered services include wigs for hair loss related to chemotherapy, additional sessions of smoking and tobacco cessation counseling, fitness benefits, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a Welcome Visit, all with no copay.
Hearing Services See details
Hearing exams are covered with a $45 copay, routine hearing exams are covered with no copay, and fitting/evaluation for hearing aids have no copay. Prescription hearing aids are partially covered, with only Prescription Hearing Aids (all types) covered with a copay between $399 and $999. OTC hearing aids are covered with a maximum benefit of $50 every three months.
Vision Services See details
Vision services include eye exams with a copay between $0 and $45, and eyewear with no copay, but eyeglass lenses, eyeglass frames, and upgrades are not covered. Routine eye exams are covered with no copay. Contact lenses and eyeglasses (lenses and frames) are covered with no copay.
Dental Services See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers a range of dental services, including oral exams, dental x-rays, other diagnostic services, cleaning, and other preventative dental services with no copay. Medicare dental services and restorative services require a $45 copay and have a $3,000 annual maximum benefit. Fluoride treatment, prosthodontics, removable, maxillofacial prosthetics, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, requiring prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and coinsurance between 0% and 20%, while other Medicare Part B drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan and require prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and authorization required, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment, where Diabetic Supplies have a 10-20% coinsurance and no copay, and Diabetic Therapeutic Shoes/Inserts have a $10 copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including all diagnostic services, with a copay for Medicare-covered diagnostic procedures/tests and lab services, with a maximum copay of $105.00 for diagnostic procedures/tests and no copay for lab services. Radiological Services are covered, with a coinsurance for Medicare-covered X-Ray Services and a copay for Medicare-covered diagnostic and therapeutic radiological services, with a maximum copay of $635.00 for diagnostic radiological services, a copay of at most $45.00 and coinsurance of at least 20% for therapeutic radiological services, and no copay for outpatient X-Ray services.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
For the Humana USAA Honor Giveback with Rx (PPO) plan, Cardiac Rehabilitation Services are not covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, with a prior authorization required. You will have no copay for days 1-20, and a $214 copay for days 21-100.
Other Services See details
Other Services include acupuncture with a $45 copay, and a meal benefit with no copay. Over-the-counter items are covered up to $50 every three months. Other services such as Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and Home and Community Based Services are not covered.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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